Why are Square manually entered fees higher?

Keyed-in (Card Not Present) transactions carry higher fraud risk since Square can't verify the physical card. The higher 3.5% + $0.15 rate compensates for this risk.

What is the Square in-person fee?

2.6% + $0.10 per transaction for chip, tap (contactless), and swipe payments at a Square terminal or reader.

Does Square charge a monthly fee?

The free Square plan has no monthly fee — you only pay per transaction. Square Plus and Premium plans have monthly fees but may offer lower rates for high-volume sellers.

Comparing Square virtual terminal with hardware

Square hardware (reader/terminal) processes at 2.6% + $0.10. The virtual terminal (manually keyed) processes at 3.5% + $0.15. Use hardware whenever possible to save on fees.

Square Fee Calculator

Calculate Square payment fees for in-person (2.6% + $0.10), online (2.9% + $0.30), and keyed-in (3.5% + $0.15) transactions. Free calculator.

Type

Mode

Sale Price ($)

Enter a sale price to see the fee breakdown.

Frequently asked questions

Square Fee Calculator — In-Person, Online & Keyed 2026

Select your payment type and enter the transaction amount to see the exact Square fee and net amount you keep.

Three payment types

In-person chip/tap (2.6%), online (2.9%), and keyed-in CNP (3.5%).

Fixed fee included

Per-transaction fixed fees ($0.10–$0.30) are included in every calculation.

Fee rates verified and updated April 2026. Rates may change — verify directly with the platform before transacting.